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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:emergency coverage for pre-existing conditions Dear Agent, I checked your email on the internet and I have some questions. Situation: My dad will travel to USA 6/9/2011. He is 84 years old. He has prostate cancer. He is in stable condition today. At the moment he is living a normal life. We only need to buy insurance to have peace on mind during this trip. 1) Does your International Travel Insurance cover emergency in case he needs to go a hospital for a pre-existing condition? 2) Does this insurance cover 16 day trips? If does, how much is it? Please explain in layman's terms. Thank you,

A:
1. No. 2. Yes. Please look at Diplomat America insurance. For $50,000 policy max and $250 deductible, it would be $235.30 for 16 days. /diplomat-america-insurance/
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Q:Best travel medical insurance Hi there, My Wife and I will be in US and to a limited extent in Caribbean for three months from June 10, 2011 We are 64 and 62 years, good health. What is the best health insurance package to buy and what level of cover is deemed to be reasonable these days. If it is Co Share do the medics bill the Provider and we pay the difference directly many thanks and kind regards

A:
Dear Sir, Thank you for your interest in purchasing insurance through us. You can purchse Atlas International plan for your trip. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please review this and if you have any further questions, please feel free to contact us.
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Q:Medical insurance for parents Hi, I am looking medical insurance for my parents,when i tried in your site it is giving me error message. I am providing following information. Primary person age:77 Spouse:69 Country of citizenship:India Trip :USA Start date:june2 End date:Oct 28 Please give me a quote and the steps to purchase a plan. Thanks,

A:
Hi, Thank you for your interest in purchasing insurance through us. Which plan are you trying to purchase? For 70+ you have to do separate applicaton. Link for view all plan, /visitor-insurance/ You can click on purchse link and purchase it online or give us a call we can process the application over the phone.
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Q:Inbound USA - list of Urologists And scan centres Dear Sirs, Kindly give me the details regarding the following;Doctors and scan centre innetwork Pl. Let me have the names of urologists in Philedelphia /. DOWNINGTOWN nearby area. Also please give me the scan cenltres locations.

A:
There is no list of providers with this plan (Inbound USA). You may go to any provider. For more information view the following link: /fixed-coverage-visitors-insurance-ppo-network/ Please feel free to contact us if you have any questions.
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Q:Travel insurance information Dear Sir / Madam, Kindly let me know how to apply for travel insurance & where to apply in India, How much it will be charged (can we apply online if yes write the web site name). I want to apply for Denmark visa, Do I have to apply for the same insurance with you. Please tell me all the procedure & formalities. Waiting for your swift reply. Feel free to contact us.

A:
Thank you for your interest in purchasing insurance through us. If you need coverage in Denmark. You need the Schengen visa insurance. You can purchase Liaison Continent plan, it meets all the Schengen visa requirements. Liaison Continent brochure, instant purchase and other useful information, /safe-travels-usa-comprehensive-insurance/ Link for All the Schengen visa insurance, /schengen-travel-insurance/ You can purchase either Liaison Continent or Atlas International. Please review this and if you have any further questions, please feel free to contact us.
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Q:Liaison Majestic Paper Application Dear Sir/Madam I am in the process of filling the required details in the paper application for Liaison Majestic for Visitors to USA Policy and I seek insurance coverage from the time the aircraft leaves Mumbai India for USA ( June 28, 2.50AM) to the time I land in Mumbai on (Sept 1, 1.00AM). My calculations indicate that I will be away from India for 66 days regardless of whether I use Indian Standard Time or Pacific Daylight Time The rates applicable to me as stated in the form are as follows Per month $411 Per day $13.69 1 Please confirm the total amount I need to pay. Is it $903.54 for 66 days or is it 917.88 for 67 days I am confused when I try to work it out on your website, as it shows $903.54 and later it changes to $ 917.88 Also would you help me in filling the paper application 2 What is meant by Destination? Do I insert San Diego Calif OR do I Insert Mumbai India? 3 What is meant by Length of trip? Is this the total duration I am away ftron India 66 days OR is it referring to the flight time from San Diego to Mumbai. I will depart San Diego on August 30 at 11.45 PDT and arrive Mumbai on Sept 1 at 1.00 AM IST My son will be paying the amount to SEVEN CORNERS in US $ I await your answers, and thank you in anticipation

A:
Thank you for your interest in purchasing insurance through us. If you are leaving India on Jun 28th, you have to starts the coverage from Jun 27th to cover the travelling time. Same way you have to add one day while travelling back also. Coverage always starts from 12:01 AM EST. Not local time not PST. 1. Please provide the your age, what policy max. are you looking for? You can apply it online at, /atlasamerica-insurance/ Or give us a call so that we can process the application over the phone. 2. If you are coming to USA. Your destination should be USA. 3. Premium we can provide only if you provide you age, what policy max and ded. do you want? You can give us a call at 1-866-INSU-BUY(467-8289) or provide your contact number or your son can also call us. Thank you for replying to my queries From what you have stated in your email I understand that the payment to be enclosed Is $917.88, please confirm? My date of birth is Sept 25, 1935, which puts me in the 75 to 79 years group and the policy max is $60,000, and the deduction is 80/20. The monthly rate indicated is $411 and the daily rate is $13.69 Please confirm the above Would you please explain to me what is meant by Length of trip? With the above is confirmed I believe I will be able to complete the paper application to your satisfaction. I have spoken by phone to the suggested number. Though your agent was trying to be helpful, I was not able to understand because of the bad connection You don't need to do paper application. You can purchase it online at, /atlas-america/visitor-medical-insurance/ Click on instant quote and purchase and you can finished the application online and you will get the insurance confirmation by e-mail. Lenth of Trip means whatever duration you are planning to stay in USA. Please provide me the insurance start date and end date so that i can provide you the right quote. If you want you can give me your contact number so that i can call you and explain in details. I am unable to enclose the payment with the on line application My son Conrad who is in the USA will enclose the payment with the paper application. Once I have agreed the details in the paper application with you I will forward the paper application to Conrad who will then enclose the payment and forward it to you. This is how I did it the last time I visited him in the USA. If you have a better suggestion please let me know. I will leave Mumbai on June 28, 2011 at 2.50AM IST and return to Mumbai on Sept 1, 2011 at 1.00AM IST I will arrive my destination San Diego Calif on June 28, 2011 at 4.52PM PDT I will depart from San Diego Calif on August 30, 2011 at 11.45AM PDT Based on the above scheduled times my duration of stay in USA will extend from June 28, 2011 to August 30,2011 You can download the Liaison Majestic application from /atlas-america/travel-insurance/application.pdf The rates are provided in the application itself. Thank you for confirming the use of the paper application. This is what I was attempting to do but could not proceed because some of the words/expressions in the aplication required your explanation. Now that these have been explained I can proceed. However if I get stuck I shall refer to you for your help again Sure
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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Visiting USA?

Healthcare costs are very high in the U.S.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

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